The best thinking about credit card application
* Teach them how to analyze special offers. That 0% interest rate only lasts for six months, but unless you know to look for the fine print explaining that, you might miss it entirely and think you have a pipeline to free credit for life. Teach your teen to question offers that seem too good to be true and show them the places credit card companies hide disclaimers and details. * Show them that if they don't need something, it's not a bargain at any price. It's human nature to jump on a deal.